Means for carrying out systems for savings-accounts.



APPLICATION FILED APR. 5. 1915.

. E. GxLIEBOLD. MEANS Fon cAnnY|NG"ou lswfsrswas Fon sAvmGs AccouNs.

`Patented Nov. 12, 1918..

2 SHEETS--SHEET 1.

NEARBORN STATE BANK. DEARBORN. MICH.

DEARBORN. MICH.

TH! Las SQUARE PuNcMEn sgws rorL AMOUNT PAID To DATE NEAREORN STATE BANK,

DEAREORN, MICH.

Mem-bers N SAVINGS CLUB F THE Nearborn State Bank DEARBORN. MICH.

u.; man.: uns en. rnmurua. wunmbwn. u. c

Mnrfh Aprll Mny Juhu )Illy Aukual l" Ornbcr DMn-Aber Jlnulry vFrhruxly Mrlldly Mogday Manda Mndny Mayday Moxrlly Musilli! Mndly Mnrlday Mnlllay Magda!! Magda! 11k lik l0: lne I3: 10e l le l0: 1D: 10c 1.0( 1D: lnY-ll Total Total Tuul Tolll Tnlal Tnul Total I'ntal Tnul fatal Tnial Plld Pald F.1d Pnl!! P1111 Pald Pnld Pald Paid Pald IDS $1.00 ILSI'I Il. $1.30 $2.16 11.20 SJ. $0.10 lLSU 85.00

Munday Monday Monday Monday M onday Monday Mmlday Monday {onday Monday Mnnday Mnllay 8 12 111 1 1 l2 51 111 l l s 13 I0 14 l0: 1D: l0: In: In: Il.` l0: 10: l0: lll: 1D: l0: Tuul Tnlnl Tolll Toll! T0111 Tolnl Tnlal ToLll Tull) Tnlnl Tuul Tula! P1110 Plld Paid Pall! F.1d F.1d lnld ?a1d Pald 1:1 PAM I0: 10c $1.10 SLW 81100 IZJO $1.311 $1.10 $3.10 It!) Still SL16 Monday Monday Mnnay Monday M nnday Mnmlny outlay Monday Monday Monday Monday Monday l5 19 17 2l 10 |11 2U 18 15 2D I7 21 Ik IB: l0: l0: IU: luc 1U: I0: l0: 10: 10c IU: Toul Tuul Total T01-Il TnLal Toul Thu! Tnlal Tnlal Tuul Tnul Tom! PIM Plld Pall! Iald Pak] nld Pald Pn Pali! Pnld Paul JUA Ik $1.20 51.10 $1.10 $1.50 $3.01 l1 40 lLIO $4.317 itin 35.3

Monday Manny Monday .Mm-may Monday Monday and Monday Mnnuuy Mommy nanny Manday 22 26 24 28 Z 23 2? 2': 22 27 Il 2B loe e 10e 10: 10|: 10e 10c 11k la l0 10c 10|: T0131 TGLII TULnl Tnlal Tuul T0151 Tall T0011 T011 Tnlnl Tnlal T0111 Plld Plld Paid Pall! Pald Plld Pllld PBH Pald Ylald Paid lall 10e Mc 31110 SLIO $1.20 51.60 $1.15 11,517 SL90 5MM! SL80 $5.110

Mnndly Monday Monday Monday Monday llrLHHl 29 C11 30 29 111 ue $5.01 |09 In: 1U: 10': IUI: nr w1' Tulll T0151 TMll Tuul T0111 \\'1I1 npen Pald ll Pull! P11111 P11111 n v, Ari-'l e SL10 $2.70 l 34.00 $1.10 for $5.60

THE LAST SQUARE PUNCHED SHOWS TOTAL AMOUNT PAID T0 DATI'ZA Always Bring This Card When Making Payments. l

Address gnou/m E. G. LIEBOLD.

MEANS F011 CARRYING ou SYSTEMS FOR SAvlNGs ACCOUNTS.

APPLICAITION FILED APR. 5. 1915.

1 284 913. l Pat-61111211111011219181.

, 9 2 SHEETS-SHEET 2.

NEABORN STATE BANK. DEAHBOHN, MICH.

N March ADrll May .1111112 July A111150 October December .1111111017 ebrunr Mmdly Mondly Monday Mondny Mogdby Mogdny Mogdy Mondny Holiday Monday Mndny 1111017111113/ 25e 25e z5: 15e :s: 25: 151: 25e 25: zs 2s: 251: T01-1I Total Tom! Toml Total Total Total 'IoUll Tnnl Total Toul Tuul .Pala P11111 P11111 Pam P1110 P1110 Pam P11111 111m P1111 Pnld P1110 :se $1.50 52.50 $0.15 SL15 Y $5.75 $1.00 $11.00 59.00 10.25 811.15 511.50

Mom-Illy Mondny Monday Monday Monday Mnduy Monday Mondny Monday Monday A'Monday Monday E 12 1u 14 12 1) 13 11 8 13 10 14 1 2k 25e 25e :sc 251:' z5: 25e 2511 251: 15e 2s: '25:

Toul 70u11 raul Tom Tam! Tomi Tum! Tomi Toul Tann Tuul raul P1110 P11111 P11111 P11111 P1110 P11111 Paid Pah! Pulli P11111 a P11111 1110111183' Monday Monday Monday Monday Monday llflunday Monly Monday Monday Mondny Monday 15 10 11 21 l0 10 18 15 20 11 21 25E 25E 25e 25: 15:: 25|: e 25e 25: 25e 25e Z512 Tolll T0101 v'P01111 '|0131 Total T0911 Tolnl ToLll Totul Tolol Toul Total Pnld PIM Fold Pald PBlLl 'Pnlll Pnld PRlLl I'I-lld P11111 Pald $2.00 53.00 $4.25 55.25 $5.25 $1.50 SL50 $9.51! $10.75 $11.15 L00 M muy Monday Mnnuny 2111111111111 Mummy Mommy Mummy Monday 11101111.11 Mummy Monday Monday 22 25 24 23 '.5 23 27 Z5 22 Y 21 Z4 2S 25e 25c 25|: 15|: 25e 25e 1.5 251; 25e 15|: 25e 25e Total Total Toul Total Tuul Tolul Total 'lnlal TOKAI Total T0101 Total Plld PBM Pnld Pald P11111 Pnld Pold v Paid Pnld P11111 Pnlil P0111 SL00 $2.25 $3.25 SL50 85.50 $6.50 v 51.15 $8.75 $9.75 $11.00 $12.00 513.25

110111111/ 111111111111; 1111111111111 M01-111111' Mom-1111' pum-1.19111 3l Y 3U 29 3l B11181150 25 25 25 25 u.' we 'rmx 'ram 101111 Toul l T0111 wm 11111111 P11111 Plld Plxld P5111 1nl11 qV. Avv'l $1.25 $3.50 $5.75 $10.00 $12.25 101' 514.00

THE LAST SQUARE PUNCNED SHOWS TOTAL AMOUNT PAID NEARBORN STATE BANK, DEARBORN, MICH.

11.11111 e omver .ununry February' 1 E N 0. A

Anrll Muy .Yuna July .\lnnl1l1y Monday Monrlny Mondny Monday Mondny Monday Monday Muminy Momhy Monday Mnnllly sue e 501: sn= su: so.: so: 50e 50c 50e nce so: *raul Tum! 'roml Toml Tom! Tnml Tom! Taxa! Tom '10ml Tol-.u1 Toul P11111 Pnld P11111 P11lrl P11111 P0111 f Pnld P1110 Pnld P11111 a l $1.00 $3.50 $5.50 $0.00 $10.00 $12.00 sxLso $16.50 $111.50 $21.00 $13.00 $25.50

11111111111- 11111111111 111111111111 Mommy umm 11111111111 11111111111' 1111111111 Mmm Mona Mohaa Mod 15 19 17 21 1o y 11a y' 2o l 111 y 1s y 2o y 11 y 2111 50c su: sn Snc S01.- son 501: S01: 501.- 50: 50e 5111: 'l'ml T0111] ToXnl T0101 Tulnl T0101 Tolal Total T0101 Total T0151 Total P11111 Pnld 111 ld 11111 Pnld P11 P11111 P11111 -111 l' 1111111 Pnld Pa 51.50 51.00 $5.00 $3.50 310.50 512.50 315.00 $17.00 $19.00 521,50 323.50 $15.00

M11-11111;' Monday Monday Mommy 2110111111 Monday Manda Manda Mond Mond Mumia Manda 2:: 2G 2.1 28 211 y 23 21 y 25 y 2z y v 27"y 2t y 2B y 50: 50: 50: 50c sue so: su: su 50e 501: so.: we T0101 TnUlI Tnlnl Tutnl Tuul Toul T0131 Toul Toul Tnml Total Total P11111 P11111 P11111 P11111 P5111 P11111 n P11111 P11111 P1111 P11111' P1111 $1.00 54.50 55.50 y:9.110 $11.00 $13.00 8.15.50 511.50 519.50 $22.00 324.00 126.50

Mommy Monday Mnnnuy Mommy Monday Marum@ 211 :1| 30 29 31 Due 27.00

50e so.: 50e 5m: 50e n.- we Tum! Toux! A Toul 'mm1 Toul '111 11pm P11111 P1110 P11111 P1110 P11111 Fav. 11': 52.50 $1.110 513.50 f 1 $20.00 524.50 iur t n.00

THE LAST SQUARE PUNCHED SHOWS TOTAL A MOUNT PAI D:

I HEREBY BHEE TIJABIDEEY THE RULES/WEI HEGU- LATIUNS GCIVEHNINE: THiS CLUB,I\5 SETFURTH CIN EACH (1F nuPLlcATE GARD Na. 1N MY Pnssessln n Elsrw'uae:

ADDRESS Wbt/meow ERNEST Gr. LIEBOLD, OF DETROIT, MICHIGAN.

MEANS FOR `('.LA'BJLYINGr `OUT SYSTEMS FOR SAVINGS-ACCOUNTS.

Specification of Letters Patent.

Patented Nov. 12, 1918.

Application filed April 5, 1915,. Serial No. 19,102.

To all whom t may concern.'

Be it known that I, ERNEST Gr. LIEBOLD, a citizen of the United States of America, residing at Detroit, in the county of Wayne and State of Michigan, have invented certain new and useful Improvements in Means for Carrying Out Systems for Savings-Accounts, of which the following is a specification, reference being had therein to the accompanying drawings.

This invention relates to means for carrying out a system for savings account whereby a number of subscribers or contributors to a partial payment savings system may be provided for with no bookkeeping and by means that indicate both to the depositors and the depository the state of each customers or contributors account at any time. rIhe invention includes the use of index cards as hereinafter shown, which are of a particular kind for each class of contributors so that the otlicials of the depository have no difficulty in checking in the amounts. The invention also includes means whereby a complete and accurate check and safe guard are provided against irregularities in the receipts or disbursements.

The invention consists in the matters hereinafter set forth and more particularly pointed out in the appended claim.

In the drawings,

vFigure 1 is a facsimile reproduction of a depositors card of a single series showing the method thereon of registering the deposit, in accordance with the features of the invention; t

Fig. 2 is a representation of a portion of a depository or bank card corresponding to the depositors card shown in Fig. 1;

Figs. 3, 4 and 5 are facsimiles of cards of different series respectively than the A card,

and

Fig. 6 is a view of a reverse side of a card with a contract agreement thereon.

In carrying out the system, persons wishing to enjoy the use thereof apply for and become members of what is known as a savings club in accordance with rules and regulations agreed upon whereby they pledge themselves to deposit each week before the Monday of the following week, a fixed sum.

If, for example a subscriber to the club wishes to pay the amount of ve cents a week, he signs a card similar to that shown in Fig. 2 on the back of which is printed an acceptance by him of the rules and regulations governing the club and an agreement to abide thereby. He also receives from the depository, bank or like institution a card the facsimile of which is shown in Fig. 1, on lthe back of which are printed the rules and regulations which he has agreed to and signed for on the duplicate card shown in Fig. 2, hereinafter described as a bank card. On the faces of the cards shown in Figs. 1 and 2 are spaces printed plainly with vertical columns of months as for example starting at March and ending with February, cross ruled into spaces bearing the Monday dates for the entire month in the column in which they occur, with the amount deposited each week, in this instance five cents, and the total sum deposited ou each Monday. For example, in the first column to the left in Fig. 1, which is the March column, there are five Mondays dated respectively the 1st, 8th, 15th, 22nd and the 29th and at the 29th space there is inserted the terms Totah Paid 25c. The card stamped herein as Series A No. or has a distinctive color or both series indicia and color. The amount and date of deposit of each payment is stamped out or indicated on this card by the space corresponding to the date of the Monday following the day of deposit. For example if the deposit is made on June 21, 1915, it is stamped out at the appropriate square marked 1 in Fig. l. At the same time the oiiicial depository receiving this sum punches the bank card corresponding in number and series thereto at the same spot. As the rules and regulations require that the bank card is the one that determines the amount deposited at any time, it acts as a check or safe Iguard against illegal punching of the depositors card. The cards shown in Figs. 3, l and 5 represent series of other denominations, as for example, B series for the ten cent deposit each week, C series for the twenty-live cent deposit and D series for the fifty cent deposit. At the lower right hand corner in the square indicated at 2, Fig. 5 for example, there are shown items or values of the total deposit with accrued interest and a redeosit or savings-account-opening value.

The date of the termination of the series may be at any convenient point and for example in the representation of cards in the drawings it is carried past the holidays to the irst of March for settlement, as herein shown the depositor is not likely to draw out his account before the holidays as would otherwise happen if the series terminated at that time. As a further incentive to carrying by the normal spending period, as for example the holidays, a penalty is imposed in the rules and regulations which means pecuniary disadvantage to the depositor if this is done.

As a result of this system and the means used in carrying it out, the establishment and maintenance of a savings account is promoted, and a large number of customers can be cared for expeditiously and for very small amounts of deposit which would not warrant the ordinary expensive system oi' bookkeeping. It enables a small contributor by a weekly payment of an amount that would not be received in an ordinary savings institution, to carry an account to a point where it becomes a sum of sufficient amount to warrant the opening of a regular savings account.

Obviously, changes in the details of construction may be made without departing from the spirit of my invention and I do not care to limit myself to any particular form or arrangement of parts.

What I claim is Means for carrying out a system for savings account comprising series of cards in duplicate, t-he cards of each series having corresponding series-indicia, each card of a particular series having individual deposit items disposed in monthly vertical columns and weekly cross-horizontal-columns, total deposit items similarly disposed thereon in vertical monthly columns and in weekly horizontal-cross-columns whereby perforation at a stated inter-section of the column denotes the individual deposit and the total ERNEST G. LmBoLD.

Witnesses W. Gr. EYNON,

OTTO F. BARTHEL.

Copies of this patent may be obtained for iive cents each, by addressing the "Commissioner of Patents Washington, D. C. 

